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The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
History
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
The BSE, founded in 1875, is Asia's oldest stock exchange — it started under a banyan tree on Dalal Street, where the bronze bull stands today.
Coral India Finance and Housing Limited is an India-based housing development company. The Company is primarily engaged in the construction, development and maintenance of properties and related services and investment, which includes lending and investments in the capital…
Weekly engine runs — movement reflects the numbers, not analyst opinion.
A decent, stagnant business, trading cheap versus its own history.
Coral India Fin & Hous is scored on the nbfc / financials framework. It keeps a fat 96.0% of every rupee of sales as net profit.
Over the last 3 years revenue compounded at -20%/yr and profit at -7%/yr. Book value has grown 12%/yr. Return on equity is a weak 6.2%. In the latest quarter profit grew 64% versus the prior quarter.
At 8× earnings, the stock sits at the 18th percentile of its own 3.6-year range — the cheap end of where it has historically traded. Today's price asks for only ~-4%/yr growth over a decade — undemanding expectations. The books come through clean — a forensic grade of A.
A plain-English restatement of the figures on this page — rules-based, for education and research context, not investment advice or a recommendation.
| Ratio | Company | Sector | Read |
|---|---|---|---|
| P/E | 7.97 | 10.88 | better |
| P/B | 0.49 | 1.4 | better |
| EV/EBITDA | 5.95 | 14.13 | better |
| ROE | 6.18 | — | — |
| ROCE | 7.1 | — | — |
| ROA | 5.74 | — | — |
| Quick Ratio | 43.61 | 34.9 | better |
| Peer | P/E | P/B | ROE |
|---|---|---|---|
| Bajaj Finance | 30.6 | 5.5 | 17.6% |
| Bajaj Finserv | 13.6 | 3.5 | 12.7% |
| Shriram Finance | 17.8 | 2.0 | 11.4% |
Not applicable for this sector.
Revenue declined 27% in the latest year — a break from prior trajectory. Negative CAGR — the top line has shrunk over this window.
Profit is growing faster than revenue (-7% vs -20%) — margin expansion is at work.
Operating margin has expanded from 76% to 85% — the business is keeping more of each rupee earned. Interest or tax burden is shrinking — more of the operating profit is reaching the bottom line.
ROE at 7% — modest; the capital isn't working hard. Capital efficiency declining — ROE down 5pp.
EPS dropped in the latest year despite possible profit changes — dilution or a profit dip could be at play. -7% EPS CAGR — this is the rate at which each share's claim on earnings is compounding.
Operating cash flow has been positive every year — the business generates real cash, not just accounting profit. Heavy investing spend every year, but operations generate enough to cover it — the business self-funds its growth. Financing outflows in consecutive years — balance-sheet discipline through debt repayment or dividends.
When operating cash keeps pace with reported profit, earnings are cash-backed; a persistent shortfall is a quality flag.
Revenue rose 22% sequentially — momentum is building. Run-rate fading — recent quarters 13% below earlier ones.
Profit jumped 64% QoQ — check if this is operating leverage or a one-off item. Quarterly net margins are expanding (92% → 119%) — profitability per rupee of revenue is improving.
How today's P/E compares to the stock's own historical range. Dashed line = the 3.6y median.
Promoters hold 75.0% — heavily owner-operated with strong skin in the game.
Produced by a rules-based engine over licensed exchange fundamentals — every sentence above is derived from the numbers shown, no analyst or AI opinion involved. Education and research context, not investment advice. We are not SEBI-registered as an Investment Adviser or Research Analyst.